right, we experienced expansion when many others are feeling the pressure of the slow interest rate environment. we pulled a lot of levers in our liability side, lowered our cost of interest bearing deposits and liabilities and also grew loans, which has been really helpful. >> we've been very bullish on "mad money" on the midwestern region because of the resurgence of manufacturing. do you think some of your strength also comes from the fact of where you're located? >> i will tell you absolutely this regional economy in the midwest and extending up into the northeast where we have a significant part of our franchise is what i was called first in to the recession and has been first out. we've seen industrial and manufacturing come back strong and we're well-positioned to not only lend into that but really capitalize on a wide range of opportunities there. so that has been a real growth area and a strength for us. >> okay. now this morning, bernstein research, in a piece i didn't really care for but i wanted to get your response, they took key from a hold to a sell, saying that it would probably